NIACOG Housing Trust Fund Our mission is to enhance the
affordable housing stock and
its availability to low to moderate income
program is for malfunctioning
furnaces, malfunctioning water
heaters, handicapped ramps, and other
emergencies. The household must
include a senior citizen (62+) and/or
a disabled person. The home must be
located in Cerro Gordo, Floyd,
Franklin, Hancock, Kossuth, Mitchell,
Winnebago, or Worth County. Emergency
Project Application (Word)
Repair Application - 2018
- Cerro Gordo County
This program takes on
a wider range of essential home repairs
projects include severely
dilapidated roof, handicapped
access, or non-functioning:
plumbing, electrical, furnace, hot
water heater, or water/sewer line,
etc. Projects size varies based
upon funding available. The home
must be located in Cerro
Gordo County. We are now
accepting applications from
people who are age 62 (or
older), disabled, or have children
under 6 years of age living in
(or regularly visiting) the home.
If children under 6 years
of age live in (or regularly
visit) the home, additional
funding may be available through
Cerro Gordo Public Health
Housing Repair Application
BUT... Home repair for
rental housing in Cerro Gordo
County. Projects primarily include
exterior improvements such as
siding/painting, window replacement,
replacement of front steps,
demolition of garages in poor
condition or other repairs that
focus on badly needed exterior
rehabilitation. Large projects of
$20,000 or more are preferred, but
not required. This program can be
used in combination with the Cerro
Gordo Public Health Lead Abatement
Program described below. Contact
NIACOG if you would like to be
added to the mailing list for any
future funding rounds. Rental
Housing Repair Application (Word)
Not eligible? If your project
is not eligible for our Programs, please
refer to the 'Other
at the bottom of this page.
& AFTER PHOTOS
Am I Eligible for Owner-Occupied
Home Repair Assistance?
To be eligible for
assistance your home must:
located in a program eligible county. See
eligible counties for respective program
descriptions listed above (1-3).
owned by you.
eligible repair need.
Projects are limited to true
emergencies (for example: furnace or hot
water heater not working or handicapped
Repair Projects can include:
or hazardous situation with: plumbing,
electrical, furnace, hot water heater,
or water/sewer line
of deteriorated siding, windows, doors,
of window screens or sump pump/backflow
access (ramp, bathroom, door widening)
current on house payments.
insured (homeowners insurance).
For Emergency Projects only, a senior
citizen or disabled person MUST be
living in the home.
Limits (maximums) for owner-occupied projects:
Cash Asset Limit $25,000
Do I have to pay back
functions like a grant and repayment is not
required unless the
home is sold (or refinanced with
funds paid out) within 5 years.
1/60th of the
loan is forgiven each month for 5 years
without payment as long as ownership
What is the process?
FOR EMERGENCY REPAIR
PROJECTS: You complete the application
supply bids from contractors. NIACOG
determines eligibility, inspects repairs,
and pays the contractor if eligible.
FOR HOME REPAIR /
OVERHAUL PROJECTS: Your first step is to
If your Pre-Application looks eligible, a full
be mailed to you when funds become
available for your project. Please note
that the full application will not be
sent until late 2017. After your full
application is received, NIACOG staff
will determine your eligibility and
the requested repairs. After that, bids
are taken from local contractors, and a
contractor is hired to complete the job.
Contractors must be registered with the
State of Iowa to work on a project.
What sources fund
These programs are
made possible through the generous support
Loan Bank Of Des Moines
Clear Lake Bank
Community Credit Union
United Way of
North Central Iowa
Cent Credit Union
What organizations work together
to implement this program?
agencies assist with the staffing, marketing,
and/or implementation of the NIACOG
Housing Trust Fund programs.